Cash flow StoneCo Ltd.

Equities

STNE

KYG851581069

Financial Technology (Fintech)

Market Closed - Nasdaq Other stock markets 04:00:00 2025-12-05 pm EST			5-day change	1st Jan Change
14.68 ^USD	-6.68%		-12.88%	+84.19%

Nov. 19	Startline CO.,LTD. has filed an IPO.	CI
Nov. 24	StoneCo Ltd., Q3 2025 Earnings Call, Nov 06, 2025

ae5255ee9217d471.r-m0x-UkjYEpvL102wqgkU2aJYtpKsJ1Nk9FSygtLJM.6q3mq7ps3tsejMcNhHnOojv0bNweZZ0ZaQo1BHtUFODYrsWNyHT6yE34jQ

Published financial data: STONECO LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Revenues	1.53B	2.7B	4.38B	5.13B	5.06B
Interest And Invest. Income (Rev)	1.65B	3.18B	4.96B	6.23B	7.68B
Total Revenues	3.18B	5.88B	9.34B	11.36B	12.74B
Cost of Goods Sold, Total	756M	1.71B	2.67B	2.98B	3.39B
Gross Profit	2.42B	4.17B	6.67B	8.38B	9.35B
Selling General & Admin Expenses, Total	869M	1.75B	2.63B	2.89B	3.24B
Stock-Based Compensation (IS)	121M	-	213M	251M	233M
Other Operating Expenses	59.35M	1.31B	450M	-10.03M	166M
Other Operating Expenses, Total	1.05B	3.05B	3.3B	3.13B	3.63B
Operating Income	1.37B	1.11B	3.38B	5.25B	5.72B
Interest Expense, Total	-348M	-1.28B	-3.53B	-695M	-1.06B
Interest And Investment Income	-	20.13M	-	-	-
Net Interest Expenses	-348M	-1.26B	-3.53B	-695M	-1.06B
Income (Loss) On Equity Invest.	-6.94M	-10.44M	-3.59M	-4.18M	399K
Currency Exchange Gains (Loss)	8.29M	8.56M	18.96M	13.58M	19.81M
Other Non Operating Income (Expenses)	141M	31.39M	573M	-2.63B	-2.14B
EBT, Excl. Unusual Items	1.17B	-113M	432M	1.94B	2.54B
Merger & Related Restructuring Charges	-29.19M	-77.79M	-	-	-
Impairment of Goodwill	-	-	-	-	-3.56B
Gain (Loss) On Sale Of Investments	2.99M	-1.26B	-862M	30.57M	-
Gain (Loss) On Sale Of Assets	-	-	-	-	-
Other Unusual Items	-14M	9.88M	42.83M	-	-
EBT, Incl. Unusual Items	1.13B	-1.45B	-387M	1.97B	-1.02B
Income Tax Expense	290M	-68.21M	139M	370M	489M
Earnings From Continuing Operations	837M	-1.38B	-526M	1.6B	-1.51B
Net Income to Company	837M	-1.38B	-526M	1.6B	-1.51B
Minority Interest	16.62M	18.54M	6.98M	-8.36M	-8.17M
Net Income - (IS)	854M	-1.36B	-519M	1.59B	-1.52B
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	854M	-1.36B	-519M	1.59B	-1.52B
Net Income to Common Excl. Extra Items	854M	-1.36B	-519M	1.59B	-1.52B
Per Share Items
Net EPS - Basic	2.95	-4.4	-1.67	5.09	-5.02
Basic EPS - Continuing Operations	2.95	-4.4	-1.67	5.09	-5.02
Basic Weighted Average Shares Outstanding	289M	309M	312M	313M	302M
Net EPS - Diluted	2.91	-4.4	-1.67	4.74	-5.02
Diluted EPS - Continuing Operations	2.91	-4.4	-1.67	4.74	-5.02
Diluted Weighted Average Shares Outstanding	294M	309M	312M	319M	302M
Normalized Basic EPS	2.58	-0.17	0.89	3.85	5.24
Normalized Diluted EPS	2.54	-0.17	0.89	3.77	5.24
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
EBITDA	1.55B	1.44B	3.92B	5.87B	6.41B
EBITA	1.39B	1.17B	3.47B	5.34B	5.79B
EBIT	1.37B	1.11B	3.38B	5.25B	5.72B
EBITDAR	1.58B	-	-	-	-
Total Revenues (As Reported)	3.32B	4.82B	9.59B	12.06B	13.26B
Effective Tax Rate - (Ratio)	25.74	4.72	-35.92	18.79	-48.09
Current Foreign Taxes	-	-	292M	346M	528M
Total Current Taxes	217M	172M	292M	346M	528M
Deferred Foreign Taxes	-	-	-153M	24.58M	-38.5M
Total Deferred Taxes	73.33M	-240M	-153M	24.58M	-38.5M
Normalized Net Income	747M	-52.36M	277M	1.2B	1.58B
Interest Capitalized	508K	592K	1.07M	-	-
Interest on Long-Term Debt	161M	292M	358M	506M	654M
Supplemental Operating Expense Items
Selling and Marketing Expenses	506M	1.01B	1.51B	1.7B	2.11B
General and Administrative Expenses	363M	736M	1.12B	1.19B	1.13B
Research And Development Expense From Footnotes	-	-	-	-	-
Net Rental Expense, Total	32.76M	-	-	-	-
Imputed Operating Lease Interest Expense	14.24M	-	-	-	-
Imputed Operating Lease Depreciation	18.52M	-	-	-	-
Stock-Based Comp., Other (Total)	121M	133M	213M	251M	233M
Total Stock-Based Compensation	121M	133M	213M	251M	233M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	2.45B	4.5B	1.51B	2.18B	5.23B
Short Term Investments	8.13B	1.99B	3.45B	3.48B	518M
Trading Asset Securities, Total	-	-	-	-	-
Total Cash And Short Term Investments	10.58B	6.49B	4.97B	5.66B	5.75B
Accounts Receivable, Total	17.72B	20.17B	21.18B	24.36B	29.62B
Other Receivables	16.95M	114M	27.04M	25.05M	32.53M
Notes Receivable	-	-	-	210M	892M
Total Receivables	17.74B	20.29B	21.21B	24.59B	30.55B
Prepaid Expenses	67.66M	170M	129M	-	-
Loans Held For Sale	-	-	-	-	-
Other Current Assets, Total	892M	3.02B	4.36B	6.9B	9.67B
Total Current Assets	29.27B	29.96B	30.66B	37.15B	45.97B
Gross Property Plant And Equipment	1.17B	2.29B	2.77B	3.1B	3.8B
Accumulated Depreciation	-398M	-693M	-1.11B	-1.41B	-1.91B
Net Property Plant And Equipment	770M	1.6B	1.66B	1.69B	1.88B
Long-term Investments	51.98M	1.3B	325M	129M	108M
Goodwill	654M	5.72B	5.65B	5.63B	2.08B
Other Intangibles, Total	333M	2.63B	2.96B	3.13B	3.33B
Accounts Receivable Long-Term	382M	59.6M	91.66M	110M	142M
Loans Receivable Long-Term	7.2M	4.72M	10.05M	43.3M	172M
Deferred Tax Assets Long-Term	139M	432M	680M	664M	872M
Other Long-Term Assets, Total	137M	356M	207M	138M	263M
Total Assets	31.75B	42.06B	42.25B	48.69B	54.81B
Liabilities
Accounts Payable, Total	180M	373M	596M	514M	672M
Accrued Expenses, Total	198M	305M	528M	602M	687M
Short-term Borrowings	766M	21.13M	22.47M	505M	418M
Current Portion of Long-Term Debt	2.33B	3.79B	2.74B	1.34B	4.5B
Current Portion of Leases	48.86M	66.53M	55.58M	30.23M	49.9M
Current Income Taxes Payable	55.79M	107M	224M	366M	386M
Other Current Liabilities	9.8B	18.13B	21B	25.78B	26.82B
Total Current Liabilities	13.38B	22.79B	25.17B	29.14B	33.53B
Long-Term Debt	2.81B	4.28B	2.58B	3.5B	7.73B
Long-Term Leases	126M	207M	145M	143M	197M
Deferred Tax Liability Non Current	61.09M	617M	500M	547M	681M
Other Non Current Liabilities	376M	566M	893M	689M	846M
Total Liabilities	16.76B	28.46B	29.3B	34.02B	42.99B
Common Stock, Total	75K	76K	76K	76K	76K
Additional Paid In Capital	13.31B	13.83B	13.83B	13.83B	13.83B
Retained Earnings	1.46B	96.21M	-423M	1.17B	-346M
Treasury Stock	-76.36M	-1.07B	-69.08M	-283M	-1.81B
Comprehensive Income and Other	167M	656M	-439M	-89.29M	103M
Total Common Equity	14.85B	13.51B	12.89B	14.62B	11.78B
Minority Interest	139M	82.36M	56.12M	53.7M	51.3M
Total Equity	14.99B	13.59B	12.95B	14.68B	11.83B
Total Liabilities And Equity	31.75B	42.06B	42.25B	48.69B	54.81B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	309M	309M	313M	309M	286M
ECS Total Common Shares Outstanding	309M	309M	313M	309M	286M
Book Value / Share	48.11	43.74	41.24	47.33	41.17
Tangible Book Value	13.87B	5.17B	4.28B	5.86B	6.37B
Tangible Book Value Per Share	44.91	16.73	13.7	18.96	22.27
Total Debt	6.08B	8.36B	5.55B	5.52B	12.9B
Net Debt	-4.49B	1.87B	585M	-139M	7.15B
Debt Equivalent Oper. Leases	262M	-	-	-	-
Minority Interest, Total (Incl. Fin. Div)	139M	82.36M	56.12M	53.7M	51.3M
Equity Method Investments, Total	51.98M	66.45M	110M	83.01M	75.75M
Account Code - Inventory Valuation	3	3	3	3	3
Machinery, Total	914M	1.84B	2.29B	2.73B	3.31B
Full Time Employees	7.24K	-	-	-	-
Accumulated Allowance for Doubtful Accounts (Supple)	12.76M	15.1M	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	854M	-1.36B	-519M	1.59B	-1.52B
Depreciation & Amortization - CF	204M	341M	538M	609M	684M
Amortization of Goodwill and Intangible Assets - (CF)	18.68M	56.46M	88.25M	85.19M	74.61M
Depreciation & Amortization, Total	222M	398M	626M	694M	759M
Amortization of Deferred Charges, Total - (CF)	34.1M	110M	174M	184M	191M
(Gain) Loss From Sale Of Asset	52.66M	149M	45.66M	77.13M	87.61M
(Gain) Loss on Sale of Investments - (CF)	-15.45M	2.55B	1.18B	-30.57M	-4.13M
Asset Writedown & Restructuring Costs	-	-	-	-	3.56B
Provision for Credit Losses	-	-	-	127M	-
(Income) Loss On Equity Investments - (CF)	6.94M	10.44M	3.59M	4.18M	-399K
Stock-Based Compensation (CF)	31.51M	133M	189M	251M	233M
Provision and Write-off of Bad Debts	35.63M	71.97M	88.57M	160M	143M
Other Operating Activities, Total	607M	269M	1.01B	1.77B	3.87B
Change In Accounts Receivable	-3.44B	-2.75B	1.45B	237M	-2.17B
Change In Accounts Payable	-	40.77M	324M	-80.02M	362M
Change In Income Taxes	251M	9.27M	400M	309M	-6.5M
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets	1.42B	3.97B	-3.28B	-3.65B	-9.12B
Cash from Operations	56.48M	3.61B	1.68B	1.65B	-3.62B
Capital Expenditure	-372M	-1.08B	-418M	-736M	-988M
Sale of Property, Plant, and Equipment	7.13M	100K	27.01M	536K	118M
Cash Acquisitions	-247M	-4.74B	-69.84M	-	-190M
Divestitures	-	-36K	-4.32M	-	-4.2M
Sale (Purchase) of Intangible assets	-82.96M	-216M	-306M	-474M	-541M
Investment in Marketable and Equity Securities, Total	-5.11B	3.06B	-1.1B	364M	3.05B
Other Investing Activities, Total	-	-	-	-	141M
Cash from Investing	-5.81B	-2.98B	-1.87B	-845M	1.59B
Long-Term Debt Issued, Total	6.71B	12.28B	3.5B	5.75B	12.58B
Total Debt Issued	6.71B	12.28B	3.5B	5.75B	12.58B
Long-Term Debt Repaid, Total	-7.48B	-10.1B	-6.36B	-5.59B	-5.83B
Total Debt Repaid	-7.48B	-10.1B	-6.36B	-5.59B	-5.83B
Issuance of Common Stock	7.87B	-	53.41M	-	-
Repurchase of Common Stock	-76.36M	-989M	-	-293M	-1.59B
Other Financing Activities, Total	189M	227M	-3.93M	-7.42M	-123M
Cash from Financing	7.22B	1.42B	-2.81B	-149M	5.04B
Foreign Exchange Rate Adjustments	14.97M	-487K	14.55M	10.34M	44.54M
Net Change in Cash	1.48B	2.05B	-2.98B	664M	3.05B
Supplemental Items
Cash Interest Paid	178M	300M	430M	749M	782M
Cash Income Tax Paid (Refund)	158M	128M	191M	116M	174M
Levered Free Cash Flow	-235M	3.15B	1.39B	1.88B	-4.55B
Unlevered Free Cash Flow	-17.86M	3.95B	3.6B	2.31B	-3.89B
Change In Net Working Capital	799M	-3.91B	-1.2B	891M	7.11B
Net Debt Issued / Repaid	-769M	2.18B	-2.86B	151M	6.75B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	3.34	1.89	5.01	7.22	6.9
Return on Total Capital	5.08	3.24	10.43	16.97	15.9
Return On Equity %	7.99	-9.64	-3.96	11.59	-11.37
Return on Common Equity	8.2	-9.58	-3.93	11.57	-11.48
Margin Analysis
Gross Profit Margin %	76.22	70.87	71.42	73.75	73.4
SG&A Margin	27.34	29.72	28.18	25.41	25.4
EBITDA Margin %	48.62	24.4	42.01	51.66	50.31
EBITA Margin %	43.81	19.91	37.09	46.97	45.45
EBIT Margin %	43.22	18.95	36.15	46.22	44.86
Income From Continuing Operations Margin %	26.34	-23.41	-5.63	14.08	-11.83
Net Income Margin %	26.86	-23.1	-5.56	14.01	-11.89
Net Avail. For Common Margin %	26.86	-23.1	-5.56	14.01	-11.89
Normalized Net Income Margin	23.48	-0.89	2.96	10.6	12.4
Levered Free Cash Flow Margin	-7.41	53.53	14.88	16.52	-35.69
Unlevered Free Cash Flow Margin	-0.56	67.1	38.52	20.34	-30.51
Asset Turnover
Asset Turnover	0.12	0.16	0.22	0.25	0.25
Fixed Assets Turnover	4.7	4.97	5.73	6.78	7.12
Receivables Turnover (Average Receivables)	0.1	0.14	0.21	0.23	0.19
Short Term Liquidity
Current Ratio	2.19	1.31	1.22	1.27	1.37
Quick Ratio	2.12	1.17	1.04	1.03	1.06
Operating Cash Flow to Current Liabilities	0	0.16	0.07	0.06	-0.11
Days Sales Outstanding (Average Receivables)	3.83K	2.56K	1.72K	1.62K	1.95K
Average Days Payable Outstanding	67.37	58.89	66.21	67.91	64.04
Long Term Solvency
Total Debt/Equity	40.58	61.51	42.87	37.61	109.04
Total Debt / Total Capital	28.87	38.09	30	27.33	52.16
LT Debt/Equity	19.6	33.02	21.07	24.8	67.02
Long-Term Debt / Total Capital	13.94	20.44	14.75	18.02	32.06
Total Liabilities / Total Assets	52.78	67.68	69.35	69.86	78.42
EBIT / Interest Expense	3.95	0.87	0.96	7.55	5.41
EBITDA / Interest Expense	4.58	1.18	1.13	8.55	6.13
(EBITDA - Capex) / Interest Expense	3.52	0.34	1.01	7.49	5.19
Total Debt / EBITDA	3.81	5.53	1.39	0.93	1.99
Net Debt / EBITDA	-2.81	1.24	0.15	-0.02	1.1
Total Debt / (EBITDA - Capex)	4.97	19.49	1.55	1.06	2.35
Net Debt / (EBITDA - Capex)	-3.67	4.37	0.16	-0.03	1.3
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	33.04	85.77	58.82	26.04	12.1
Gross Profit, 1 Yr. Growth %	23.47	73.94	60.07	32.06	11.56
EBITDA, 1 Yr. Growth %	12.43	-16.09	243.72	48.28	9.17
EBITA, 1 Yr. Growth %	9.47	-24.83	295.01	52.53	8.46
EBIT, 1 Yr. Growth %	9.17	-27.59	311.43	53.98	8.8
Earnings From Cont. Operations, 1 Yr. Growth %	4.13	-264.47	-61.78	-404.03	-194.17
Net Income, 1 Yr. Growth %	6.33	-259.1	-61.77	-406.51	-195.17
Normalized Net Income, 1 Yr. Growth %	9.67	-107.08	-374	304.01	31.16
Diluted EPS Before Extra, 1 Yr. Growth %	2.11	-251.2	-62.05	-383.77	-205.98
Accounts Receivable, 1 Yr. Growth %	23.8	13.82	4.99	15	21.63
Net Property, Plant and Equip., 1 Yr. Growth %	32.32	107.45	4	1.9	11.33
Total Assets, 1 Yr. Growth %	61.94	32.47	0.35	15.26	12.57
Tangible Book Value, 1 Yr. Growth %	146.21	-62.72	-19.01	36.82	8.71
Common Equity, 1 Yr. Growth %	148.7	-9.03	-4.75	13.4	-19.47
Cash From Operations, 1 Yr. Growth %	-102.13	6.29K	-53.32	-2.14	-319.78
Capital Expenditures, 1 Yr. Growth %	11.56	191.02	-61.43	76.25	18.4
Levered Free Cash Flow, 1 Yr. Growth %	-92.61	-2.58K	-53.44	-38.2	-417.42
Unlevered Free Cash Flow, 1 Yr. Growth %	-99.4	4.52K	-4.78	-36.15	-308.17
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	44.17	56.9	71.77	57.58	18.87
Gross Profit, 2 Yr. CAGR %	41.72	45.74	66.86	71.11	21.38
EBITDA, 2 Yr. CAGR %	42.12	-1.5	57.11	107.9	23.35
EBITA, 2 Yr. CAGR %	41.18	-7	57.07	125.73	25.12
EBIT, 2 Yr. CAGR %	42.9	-7.98	59.13	148.47	29.43
Earnings From Cont. Operations, 2 Yr. CAGR %	65.64	30.87	-20.72	7.79	69.2
Net Income, 2 Yr. CAGR %	68.38	30.06	-22.02	8.24	70.8
Normalized Net Income, 2 Yr. CAGR %	69.75	-72.27	-38.07	256.41	130.2
Diluted EPS Before Extra, 2 Yr. CAGR %	50.19	24.25	-24.24	3.78	73.42
Accounts Receivable, 2 Yr. CAGR %	38.13	18.7	9.32	9.88	18.26
Net Property, Plant and Equip., 2 Yr. CAGR %	70.06	65.68	46.89	2.95	6.51
Total Assets, 2 Yr. CAGR %	54.54	46.46	15.35	7.55	13.91
Tangible Book Value, 2 Yr. CAGR %	70.22	-4.19	-44.43	5.27	21.96
Common Equity, 2 Yr. CAGR %	70.77	50.41	-6.83	3.93	-4.43
Cash From Operations, 2 Yr. CAGR %	-84.71	16.63	445.97	-32.41	46.66
Capital Expenditures, 2 Yr. CAGR %	62.52	80.19	5.95	-17.55	10.8
Levered Free Cash Flow, 2 Yr. CAGR %	-69.52	0.08	133.34	-26.41	31.42
Unlevered Free Cash Flow, 2 Yr. CAGR %	-91.28	16.21	815.06	-21.78	9.93
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	62.47	56.67	57.54	53.1	40.67
Gross Profit, 3 Yr. CAGR %	67.33	51.18	50.37	51.79	48.37
EBITDA, 3 Yr. CAGR %	107.23	23.34	38.43	54.56	67.72
EBITA, 3 Yr. CAGR %	114.64	18.79	36.79	56.05	76.8
EBIT, 3 Yr. CAGR %	127.64	18.32	36.9	57.92	88.68
Earnings From Cont. Operations, 3 Yr. CAGR %	99.82	65.25	-13.17	24.1	3.05
Net Income, 3 Yr. CAGR %	98.78	65.23	-13.52	23.07	3.7
Normalized Net Income, 3 Yr. CAGR %	127.32	-41.31	-25.92	18.63	155.41
Diluted EPS Before Extra, 3 Yr. CAGR %	80.49	50.53	-16.32	17.65	4.51
Accounts Receivable, 3 Yr. CAGR %	51.45	29.5	13.94	11.18	13.66
Net Property, Plant and Equip., 3 Yr. CAGR %	59.54	81.71	41.86	30.03	5.67
Total Assets, 3 Yr. CAGR %	68.5	46.8	29.16	15.32	9.2
Tangible Book Value, 3 Yr. CAGR %	290.26	2.61	-8.73	-24.96	6.4
Common Equity, 3 Yr. CAGR %	216.75	38.43	29.24	-0.52	-4.54
Cash From Operations, 3 Yr. CAGR %	-64.7	14.3	-14.05	207.84	0.13
Capital Expenditures, 3 Yr. CAGR %	38.2	97.36	7.79	25.54	-3
Levered Free Cash Flow, 3 Yr. CAGR %	-44.98	7.51	-23.81	94.42	9.48
Unlevered Free Cash Flow, 3 Yr. CAGR %	-75.83	18.88	7.18	277.46	0.95
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-	69.28	65.99	49.34	39.75
Gross Profit, 5 Yr. CAGR %	-	70.42	66.77	47.35	36.65
EBITDA, 5 Yr. CAGR %	-	63.34	86.56	50.31	34.07
EBITA, 5 Yr. CAGR %	-	62.89	89.76	50.18	33.73
EBIT, 5 Yr. CAGR %	-	69.14	96.1	50.83	34.13
Earnings From Cont. Operations, 5 Yr. CAGR %	-	62.33	38.05	39.29	13.38
Net Income, 5 Yr. CAGR %	-	62.53	36.72	39.51	13.53
Normalized Net Income, 5 Yr. CAGR %	-	-10.22	34.2	35.98	18.34
Diluted EPS Before Extra, 5 Yr. CAGR %	-	48.4	27.54	29.72	12
Accounts Receivable, 5 Yr. CAGR %	-	45.77	32.94	21.26	15.65
Net Property, Plant and Equip., 5 Yr. CAGR %	-	76.44	54.35	44.77	26.5
Total Assets, 5 Yr. CAGR %	-	61.41	44.8	29.65	22.83
Tangible Book Value, 5 Yr. CAGR %	-	77.99	78.96	4.13	2.49
Common Equity, 5 Yr. CAGR %	-	91.18	94.15	23.48	14.54
Cash From Operations, 5 Yr. CAGR %	-	48.86	5.57	-7.37	6.43
Capital Expenditures, 5 Yr. CAGR %	-	102.74	24.26	39.2	24.27
Levered Free Cash Flow, 5 Yr. CAGR %	-	-	-0.32	-5.83	7.66
Unlevered Free Cash Flow, 5 Yr. CAGR %	-	-	23.26	-0.32	5.87